Job Specifications
About The Company
About Cleo
At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.
Cleo is a rare success story: a profitable, fast-growing unicorn with over $300 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.
If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.
Follow us on LinkedIn to keep up to date with new product features and insights from the team.
About The Role
We’re looking for a Fraud Data Analyst to join the Fraud Squad at Cleo.
As a Fraud Data Analyst you'll be at the frontline of protecting both our users and the business from emerging fraud threats. You will play a critical role in helping shape the future of our fraud prevention strategy by turning data into actionable insight and partnering closely with cross-functional teams to move fast, iterate and stay ahead of attackers.
You’ll Work In a Fast-paced Environment Where Analytical Sharpness And Strategic Thinking Are Critical. Your Work Will Help Us Answer Questions Like
What fraud is slipping through our defences?
What’s driving our dispute rate this month?
Where are our rules creating friction for legitimate users?
How do we make better decisions, faster?
Key Responsibilities
Fraud Detection and Investigation
Proactively review and investigate emerging fraud incidents and disputes.
Investigate reported fraud cases and disputes to uncover broader trends and patterns.
Develop and refine fraud rules to improve efficiency.
Conduct root-cause analysis of false positives to fine-tune detection strategies.
Proactively identify potential fraud threats and design and execute mitigation strategies.
Work with the wider fraud squad to rapidly identify and mitigate fraud attacks through data-led diagnosis and short-term triage rule design and lead incident response.
Stay on top of chargebacks / disputes and volume spikes and develop mitigation strategies to reduce losses and avoid threshold breaches (both for cards and ACH payments).
Data Analysis and Reporting
Extract and analyse large volumes of transactional data using SQL.
Produce comprehensive analysis with concise narrative on findings and proposed solutions, providing stakeholders with the information they need to take action.
Build and maintain dashboards and reports that highlight fraud trends and KPIs.
Own and monitor fraud KPIs and proactively flag areas of risk or opportunity.
Improve access to fraud data through collaboration with engineering and AX teams.
Present complex data findings to stakeholders in a clear and actionable manner.
Collaboration
Work closely with product, operations, compliance, customer service and the wider fraud squad.
Liaise with external third parties such as fraud vendor partners, payment partners.
What are we looking for?
To be successful in this role, you should possess the following qualifications and attributes:
SQL Proficiency: You have 2 years + hands-on experience with SQL, using it to analyze data, identify trends, and support your investigations.
Experience:
You have a minimum of 2 years of experience in a Fraud Data Analyst or similar role within payments, fintech, or eCommerce.
Expertise in fraud typologies including identity theft, CNP fraud, payment fraud, Account Takeovers etc.
Versatility: You can seamlessly switch between reactive and proactive work, handling urgent fraud cases while also focusing on long-term prevention strategies.
Detail-Oriented: You have a keen eye for detail, with a passion for uncovering trends and insights from complex data sets.
Analytical Skills: Ability to analyse anomalies, identify trends, and convert findings into prevention strategies.
Communication skills: excellent communication and stakeholder engagement skills.
Recruitment Process
Recruiter Interview (30 mins)
Technical Interview (60 mins)
Whiteboard Interview (60 mins)
Final Interview (30 mins)
What you'll get for all your hard work?
A competitive compensation package (base + equity) with reviews every 4 months, aligned to our termly OKR planning cycles.
Work at one of the fastest-growing tech startups, backed by top VC firms, Balderton & EQT Ventures
A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the st
About the Company
Cleo. Where AI meets money.
Cleo launched in 2016 by people who have been burned by banks. Fed up with the broken system, we decided it was time to make a change.
Since then, the cost of living has skyrocketed, the rich have continued getting richer, and our vision has only become clearer.
Our mission? To change the world's relationship with money.
Cleo is a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how we feel about our finances.
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